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The fund manager gives the example of an investor investing £100 each month in a Vanguard TRF with a 0.24 per cent ongoing fee who could end up with around £135,000 after 40 years.

That outcome assumes a 5 per cent growth rate and an investment held on the Vanguard Personal Investor service.

Vanguard senior investment planner James Norton says: “The UK public is facing an increasingly complicated route to retirement. Investors have more flexibility and choice, but they often face difficult decisions on how to save and invest in a rapidly changing pensions and investment environment.”

He says: “Vanguard’s Target Retirement Funds are designed to help address these challenges, by offering a straightforward fund solution based on investment best practices and managed by experienced investment professionals.”

Vanguard says platforms frustrated by its dilution levies were a driving force behind its switch to swing pricing, while it argues investors should see total expense ratios come down from the move. The change came into place across its UK and Dublin-domiciled funds this month, but will not apply on ETFs. Marketing head Nick Blake says […]

Vanguard says the move follows feedback from platforms Vanguard has changed the pricing structure across its mutual funds to align it with the way costs are calculated among its peers. Funds across Vanguard’s UK and Ireland domiciled fund ranges now use swing pricing rather than single pricing, meaning that if the fund’s investors make large […]

FCA chief Andrew Bailey has urged policymakers to secure the future of long-term pensions and insurance contracts after Brexit by avoiding the ‘cliff-edge’ removal of passporting rights. Passporting rights are often needed to pay out on pensions and other contracts for expats or from firms with headquarters overseas. Treasury select committee chair Nicky Morgan and […]

By Douglas Turnbull, Head of Chinese Equities After rallying around 150 per cent since the middle of 2014, mainland China’s ‘A Share’ market has corrected almost 35 per cent since mid-June.* Douglas Turnbull, manager of the Neptune China and Neptune Greater China Income funds, looks at the reasons behind this recent volatility… Click here to […]

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19th November 20182:58 pm

Comments

There are 3 comments at the moment, we would love to hear your opinion too.

Why couldn’t if have been based on their two SRI funds as a core. A large proportion of the younger generation DO subscribe to the issues their SRI funds purport to exclude, they just don’t get informed they have a choicee about BOTH investment risk and environmental and social risk, which with a target dated fund tehre isn’t a lot of point of saving towards a world which will could be damaged beyond repair before theyr each the target date!

Great points. I have the majority of my personal investments in the Vanguard Global SRI fund and Dimensional Global Sustainability Fund and I believe that zero asset investors could really benefit from these investments if they had the choice.